I'd agree with Peter, once you've registered with PNB, you can send it on the phone just by quoting your debit card. Money sent is virtually instant if to another PNB account in RP. Call them on 0207 397 1340. I prefer that for larger sums. Cristina has a second card on my Nationwide Credit Card account. Nationwide give good exchange rates, and don't charge. The only charge is by the bank where the cash is withdrawn and that is £3.00 for up to 10,000 pesos. To avoid paying interest, pay the same amount immediately into a Nationwide Branch on the account, because they also guarantee to pay off your most expensive credit FIRST!